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What is my risk tolerance?

When it comes to investing for your future, every person has a different propensity for risk. Our Risk Tolerance calculator can help assess your individual risk profile based on the risk you are willing to accept.

The results and explanations generated by this calculator may vary due to user input and assumptions. For a more detailed financial analysis, click on the “Contact an Agent” button and a local New York Life agent will call you. New York Life Insurance Company does not guarantee the accuracy of the calculators, results, explanations, nor applicability to your specific situation. We recommend that you use this calculator as a guideline only.

Your responses are not intended to represent a comprehensive basis for evaluating suitability (or, if applicable, conducting underwriting) on any specific insurance, annuity, or investment product. In the event that you decide to purchase any product, you will be required to complete a separate policy application/contract and/or Investor Profile, which will serve as the basis for the company’s conducting suitability and/or an underwriting analysis with regard to the specific product that you wish to purchase.

In the event of any discrepancy between the information that you provide in completing this questionnaire/fact finder and that which you furnish in completing an Investor Profile and/or product application/contract, the information contained in the company product application/contract and/or Investor Profile will govern and will serve as the basis for the company’s assessing the appropriateness for you of the product to which such document(s) pertain.

Attitudes toward Risk

What is your age?A) 35 years or under B) 36-54 C) 55 or above

What do you expect to be your next major expenditure?A) Buying a house B) Paying for a college education C) Capitalizing a new business D) Providing for retirement

When do you expect to use most of the money you are now accumulating in your investments?A) At any time now...so a high level of liquidity is important B) Probably in the future...2-5 years from now C) In 6-10 years D) Probably in 11-20 or more years from now

Over the next several years, you expect your annual income to:A) Stay about the same B) Grow moderately C) Grow substantially D) Decrease moderately E) Decrease substantially

Due to a general market correction, one of your investments loses 14% of its value a short time after you buy it. What do you do?A) Sell the investment so you will not have to worry if it continues to decline B) Hold on to it and wait for it to climb back up C) Buy more of the same investment...because at the current lower price, it looks even better than when you bought it

Which of these investing plans would you choose for your investment dollars?A) You would go for maximum diversity, dividing your portfolio among all available investments, including those ranging from highest return/greatest risk to lowest return/lowest risk B) You are concerned about too much diversification, so you would divide your portfolio among two investments with historically high rates of return and moderate risk C) You would put your investment dollars in the investment with the highest rate of return and most risk

Assuming you are investing in a stock, which one do you choose?A) Companies that may make significant technological advances that are still selling at their low initial offering price B) Established, well-known companies that have a potential for continued growth C) 'Blue chip' stocks that pay dividends

Assuming you are investing in only one bond, which bond do you choose?A) A high-yield (junk) bond that pays a higher interest rate than the other two bonds, but also gives you the least sense of security with regard to a possible default B) The bond of a well-established company that pays a rate of interest somewhere between the other two bonds C) A tax-free bond, since minimizing taxes is your primary investment objective

You expect inflation to return and it has been suggested that you invest in 'hard' assets, which have historically outpaced inflation. Your only financial assets are long-term bonds. What do you do?A) Ignore the advice and hold on to the bonds B) Sell the bonds, putting half the proceeds in 'hard' assets and the other half in money market funds C) Sell the bonds and put all the proceeds in 'hard' assets D) Sell the bonds, put the proceeds in 'hard' assets, and borrow additional money so you can buy even more 'hard' assets

You have just reached the $10,000 plateau on a TV game show. Now you must choose between quitting with the $10,000 in hand or betting the entire $10,000 in one of three alternative scenarios. Which do you choose?A) The $10,000 -- you take the money and run B) A 50 percent chance of winning $50,000 C) A 20 percent chance of winning $75,000 D) A 5 percent chance of winning $100,000

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